Stats › Gestion active, passive et flux › Interchange caps
Europe capped card interchange at 0.2 and 0.3 per cent, replacing fees the Commission had found running up to 1.2 per cent
| Provision | Figure | Article |
|---|---|---|
| Consumer debit cap | 0,2 per cent of transaction value | Art 3(1) |
| Consumer credit cap | 0,3 per cent | Art 4 |
| Member state option, domestic debit | a lower percentage cap plus an optional fixed maximum amount | Art 3(2)(a) |
| Member state option, fixed fee | no more than 0,05 euro, combinable with a percentage of no more than 0,2 per cent | Art 3(2)(b) |
| Non euro conversion for that fixed fee | fixed at the rate of 8 June 2015, revised every five years | Art 3(2)(b) |
| Member state option, weighted average | no more than 0,2 per cent of the annual average domestic debit transaction value, available until 9 December 2020 | Art 3(3) |
| Three party scheme with licensees threshold | 3 per cent of the value of all card based payment transactions in the member state, exemption available until 9 December 2018 | Art 1(5) |
| Universal card derogation | 30 per cent, until 9 December 2016 | Art 16(2) |
| Caps and two other articles apply from | 9 December 2015 | Art 18(2) |
| Business rules apply from | 9 June 2016 | Art 18(2) |
| Review deadline | 9 June 2019, with 0,07 euro named as an alternative debit ceiling to consider | Art 17 and 17(k) |
Regulation (EU) 2015/751, full text read. The 30 per cent figure often quoted as the three party scheme threshold is in fact the universal card derogation of Article 16(2); the three party threshold is 3 per cent in Article 1(5). Both are recorded.
Before the caps, the Commission found consumer credit interchange of 0.80 to 1.20 per cent and debit fees as high as 1.05 per cent plus five cents. It also found merchant fees varying by a factor of up to twenty five between card categories.
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